The general market movement is up 60% of the time, so the go to advice is time in the market as opposed to timing the market. With the way the markets have been going, I wouldn’t blame you for dca the idle money.

There is nothing wrong with the way you are investing. I don’t like balanced funds in taxable accounts, but if you aren’t in super high brackets it might work. Picking the stock to bond ratio is one of the most difficult things about investing. You can do the questionairres, but you have to live thr...

Having some money in taxable is reasonable. If you are not a high earner, the 401k deduction is not as helpful, you could always cut back say 5% and put it in taxable. Would it result in a little less money in retirement? Perhaps. But it is personal finance, and if having some taxable investments ma...

If they follow different indexes, then they are not substantially identical imo ianal/cpa. Post the tickers for more opinions on whether they are s.i. My understanding is that wash sales are not high on the irs list of infractions. This thread discusses wash sales. It comes down to whether you want ...

That doesn’t sound right. If you need the new 1/3 million policy, then would cancel the 1/2 million policy. Depending on the type, then you might need to buy tail coverage for the original policy, Why do you want to increase the limit? You might make yourself more of a target if the pockets get too ...

When correcting a mistake you made before seeing the boglehead light, it is best to just do it all at once in accounts that do not have tax consequences. You have no idea when or if the stock will recover. Keeping 10% of stocks or less is ok if you still believe in the stock, but if you wouldn’t buy...

We see lots of people posting on the forum about their 401k being bad, but then it turns out that the fees and or ers are actually not that bad. I was thinking that we could add some language to rate 401ks by er so people don’t think their 401k is horrible because they are paying something like 0.5%...

MMM has lots of articles so am not sure which one you are referring to. This one discusses adding ss, variable withdrawal rate and part time income to get to the 5% being safe. http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/ I think a lot of people don’t figure ss into t...

I believe the latest trinity study update shows 100% stocks has a 97% 30yr success rate, and 50% has a100% rate. A sudden drop in the market just before or after retirement is known as sequence of returns risk. There are many articles on how to mitigate this. http://www.livefreemd.com/dont-lose-your...

Did he go through the overflow plate instead of the drain? The secret to auger is slow steady pressure while cranking. Don’t try to go to pofar at once, say 5-6 inches at a time. If you can’t get through with a hand auger, you could rent a power one if you feel up to the attempt but a plumber might ...

If you don’t want to go to the link. If, by Rudyayd Kipling . If you can keep your head when all about you are losing theirs ... If you can wait and not be tired by waiting ... If you can think – and not make thoughts your aim ... If you can trust yourself when all men doubt you ... Yours is the Ear...

Most of the time a sudden loss greater than the market is due to dividends. Today is the dividend date. http://www.primecapmanagement.com/prices_and_performance/distribution_information.html . For 2018, the ex-dividend date for each Odyssey Fund is December 17, 2018. On the ex-dividend date, each Fu...

If you plan on doing tlh, you are really better off to use individual funds rather than blended funds. In addition, by going to a s and p fund, you are drastically changing your aa. At the end of thirty days, you could have gains that will negate the benefit of the tax loss harvesting, making it dif...

No one knows tickers (except for a few vanguard ones) so if you put the fund names and ers in the original post you will get more informed answers. But irregardless, transferring to avoid aum fees is a great idea.

Can you get a copy of your returns from 2017 from the irs to see if they actually received the form? From irs.gov .There are many reasons why you may need a copy of your tax return information from a prior year. Transcripts are free and available for the most current tax year after the IRS has proce...

If you are not applying for a mortgage or car loan in the next year any dip should recover. But I don’t think it will go down too much, I think 30% utilization is when it takes a hit. I don’t know when the cancellation will show up. You could always apply for a new cc to increase the available credi...

A partial wash sale only negates thr benefit if the few shares you purchased 29 days ago, you still get the benefit of the rest of the shares. . An individual wash sale that might result from an automated investment service trading a similar security to one you trade in another account does not comp...

Welcome to the forum. I would imagine it is as simple as calling or emailing the fa, telling him he is not to buy or sell any assets. It depends on the brokerage, but some do allow you to turn off the advisor and keep the account. At the same time, create your vanguard, fidelity or schwab account an...

Vanguard has made most investor funds admiral, so you only need 3k now. Etf vs mf doesn’t really matter, but it is much simpler to go mf as you don’t have to deal with bud ask spreads. Plus no factional shares with etf. From the wiki . The choice might not be very important: the contrast as presente...

Schwab is pushing Thomas to make huge fees off you, plusyou don’t want dividend funds in a taxable account. If you are happy with the int portfolio keep with it, otherwise use the 3 fund portfolio. From Thomas partners website .Investment minimum and fees. The minimum investment is $100,000. Amount ...

Insurance varies widely by zip code and if you have workplace plans available. At 64, my wife and I will pay 2861 a month next year for unsubsudized bronze hsa plan until Medicare kicks in, at which point it will be a heck if a lot cheaper.

There are other ways to deposit cash besides money orders. I think Clark Howard had recommended the bluebird card to easily put cash into online accounts with no fees. You need to go to Walmart to put the cash on the card. https://www.nerdwallet.com/blog/banking/bluebird-prepaid-debit-card-review/ h...

Read wci post on debt payoff vs investing. https://www.whitecoatinvestor.com/student-loans-vs-investing/ . I suggest you use the following list of loan/investing priorities: 1) Pay off high interest debt. Any credit cards or consumer debt at 8% or higher should be paid off ASAP. Honestly you should ...

The key here is how much work the doc has to do. To make that much, the fp probably needs to see a patient every 30 minutes in the office. A lot more than 12 a day, (all the overhead for the office, staff, supplies, benefits, etc).I would imagine most of the docs would be wanting to work part time a...

This site discusses dividends. Stock Dividends are all or nothing, no pro rating. https://www.investor.gov/additional-resources/general-resources/glossary/ex-dividend-dates-when-are-you-entitled-stock-cash Bogleheads also prefer the total return approach over dividends. Check out the vanguard white ...

Look at it as if you are becoming a boglehead. You made a mistake and purchased high er funds (hp printer) and now you wised up and are changing to low er funds (laser or the eco tank style inkjets) https://www.consumerreports.org/printers/most-cost-efficient-inkjet-printers/ https://clark.com/techn...

Clark Howard says to take the highest deductable you can afford, as insurers are increasingly of the “use it and lose it” variety. Ie, make a claim, they cancel your insurance as you are now a bad risk. So never make a claim unless it is a catastrophic loss, and make your deductable as high as possi...

Not a computer expert, but I imagine a router with no radio and one with the radio turned on would have the same wired speed. I don’t think there would be any difference in speed if the WiFi was turned on if no devices are connected to it. I guess it would run cooler, which might make it a little mo...

How about starting with target date using freedom index funds? Usually you start out with td fund and switch to 3 fund as you become more knowledgeable about investing. 90/10 isn’t that much different than 100% stocks anyway. But either way is fine.

Vanguard has embraced international bonds, bogleheads not so much. But they are not really hated to the point of recommending against the td or ls funds. All bond funds will have fairly low returns as interest rates rise, but returns is not the reason you have bonds. If you are only putting 50% of y...

With such an important decision, you might consider a second opinion like paying the $40 for maximize my social security. I love Mike Piper, but such an important decision needs to be looked at from many angles.

I believe the frequency of hsa transfers might be plan related, but I am not sure. The irs says there is no limit to direct transfers between hsas. Fees are also plan related.https://www.irs.gov/pub/irs-pdf/p969.pdf

Withheld taxes are treated as if they are payed throughout the year. Your plan is similar to what I plan on doing. .Some retirees avoid the need to make estimated payments by having enough tax withheld from required distributions from IRAs at year-end to cover their tax bill for the year. You can ev...

I think maybe op is confused on terminology. A backdoor Roth is when you want to contribute yearly to a Roth IRA, but you make too much income to contribute directly to a Roth IRA. A Roth conversion is when you take money in a traditional Ira or other retirement plan and convert it to a Roth, paying...